{"id":2005,"date":"2017-08-11T16:07:51","date_gmt":"2017-08-11T14:07:51","guid":{"rendered":"https:\/\/my-life.lu\/?p=2005\/"},"modified":"2018-07-10T16:44:46","modified_gmt":"2018-07-10T14:44:46","slug":"second-home-your-handy-checklist-14002","status":"publish","type":"post","link":"https:\/\/my-life.lu\/en\/second-home-your-handy-checklist-14002\/","title":{"rendered":"Second home: your handy checklist!"},"content":{"rendered":"<div id=\"playht-iframe-wrapper\" style=\"max-height: 210px !important;\">\n\t<iframe\n\tscrolling=\"no\"\n\tclass=\"playht-iframe-player\"\n\tid=\"playht-iframe-player\"\n\theight=\"90px\"\n\twidth=\"100%\"\n\tframeborder=\"0\"\n\tstyle=\"max-height: 90px; height: 90px !important;\"\n\tsrc=\"https:\/\/play.ht\/embed\/?article_url=https:\/\/my-life.lu\/en\/?p=2005&voice=en-GB-Standard-A&appId=fiFJxxWiUV3tImG&trans_id=-MJkbNU0xezORFeP3ZMO\"\n\tdata-voice=\"en-GB-Standard-A\"\n\tarticle-url=\"https:\/\/my-life.lu\/en\/?p=2005\"\n\tdata-appId=\"fiFJxxWiUV3tImG\"\n\tallowfullscreen=\"\">\n\t<\/iframe>\n<\/div>\n<p class=\"entete\"><em>By the sea, in the mountains or in the countryside, <span style=\"text-decoration: underline;\"><strong><a href=\"https:\/\/my-life.lu\/en\/5-steps-to-owning-the-second-home-of-your-dreams-14001\/\" target=\"_blank\" rel=\"noopener\">buying a second home is sometimes a dream come true<\/a><\/strong><\/span>. A real estate project is always a major investment that requires a reliable financial partner and careful preparation. Use this checklist to make sure that you have properly covered the main financial aspects involved.<\/em><\/p>\n<p><strong>Experts at your side<\/strong><\/p>\n<ul>\n<li>Local notary<\/li>\n<li>Bank adviser<\/li>\n<li>Real estate expert\/architect (assessment of the condition of the property)<\/li>\n<\/ul>\n<p><strong>Banking aspects<\/strong><\/p>\n<ul>\n<li>Type of interest rate and type of loan, i.e. fixed or variable rate mortgage<\/li>\n<li>Mortgage insurance<\/li>\n<li>Fully comprehensive home insurance<\/li>\n<\/ul>\n<p><strong>Other financial aspects<\/strong><\/p>\n<ul>\n<li>Mortgage deposit<\/li>\n<li>Collateral to be provided<\/li>\n<li>Monthly repayments<\/li>\n<\/ul>\n<p><strong>Other costs arising from a property purchase<\/strong><\/p>\n<ul>\n<li>Application and mortgage fees<\/li>\n<li>Deed of sale (notary\u2019s) fees<\/li>\n<li>Registration duties or VAT<\/li>\n<li>Any renovation work<\/li>\n<li>The cost of moving in and decorating (painting, flooring, etc.)<\/li>\n<li>Cost of household equipment (appliances, television, etc.)<\/li>\n<\/ul>\n<p><strong>Recurrent expenses<\/strong><\/p>\n<ul>\n<li>Home insurance<\/li>\n<li>Taxes, property tax, municipal taxes (collection of household refuse, etc.)<\/li>\n<li>Tax on rental income (variable depending on the country where the property is located) if you rent out your second home<\/li>\n<li>Condominium fees<\/li>\n<li>Maintenance costs (garden, swimming pool, chimney, etc.)<\/li>\n<li>Various bills (water, electricity, gas, telephone, etc.)<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>By the sea, in the mountains or in the countryside, buying a second home is sometimes a dream come true. A real estate project is always a major investment that requires a reliable financial partner and careful preparation. Use this checklist to make sure that you have properly covered the main financial aspects involved. Experts &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/my-life.lu\/en\/second-home-your-handy-checklist-14002\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Second home: your handy checklist!&#8221;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":4393,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":"","beyondwords_generate_audio":"","beyondwords_integration_method":"","beyondwords_project_id":"","beyondwords_content_id":"","beyondwords_preview_token":"","beyondwords_player_content":"","beyondwords_player_style":"","beyondwords_language_code":"","beyondwords_language_id":"","beyondwords_title_voice_id":"","beyondwords_body_voice_id":"","beyondwords_summary_voice_id":"","beyondwords_error_message":"","beyondwords_disabled":"","beyondwords_delete_content":"","beyondwords_podcast_id":"","beyondwords_hash":"","publish_post_to_speechkit":"","speechkit_hash":"","speechkit_generate_audio":"","speechkit_project_id":"","speechkit_podcast_id":"","speechkit_error_message":"","speechkit_disabled":"","speechkit_access_key":"","speechkit_error":"","speechkit_info":"","speechkit_response":"","speechkit_retries":"","speechkit_status":"","speechkit_updated_at":"","_speechkit_link":"","_speechkit_text":""},"categories":[176,188,11,184],"tags":[405,400,401],"class_list":["post-2005","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-purchase-en","category-investment-en","category-myhome-en","category-second-home-en","tag-second-home","tag-investment","tag-purchase","my_home"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Second home: your handy checklist! 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